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New Braunfels Herald-Zeitung (Newspaper) - January 7, 2007, New Braunfels, Texas Page 8A HERALDZEFTUNO January BUSINESS Whats happening with businesses in the New Braunfels and Comal County Have business news Contact News Editor Keri Kirby at 625 or by email at firstname.lastname@example.org If credit card debt careful moves are best bet By Suzanne Ashe Staff Writer The holidays are over and little johnny and Janey got everything they wanted for Now that the presents once under the tree are the credit card repayment Nancy assistant vice president of investment services at Frost has some helpful hints and help for the new year for those who overspent this past holi Thomas recommends setting an aggressive repay ment Do the math and figure out how much you can repay on your credit card Having the numbers in front of you makes it easier to figure out a game Thomas She also advises paying more than the minimum amount due to a credit card The interest accrued when only the mini mum is paid could end up being as much as the overall credit card bill Thomas said interest rates are relatively low so banks and credit card com panies are fighting for cus tomers Being in good standing with a lender sometimes can enable nego tiation for a lower interest but if negotiating with a current lender isnt an shop she Comparison Web sites such as can be help ful tools for doing Thomas They can be used to research and compare bank interest rates all in one if significant credit card debt was racked up dur ing the the same mistake doesnt have to be repeated next Thomas said to watch spending as the year pro gresses and plan now for the I Do the math to deter mine your I Negotiate a lower inter est rate or shop around for lower I Dont add new debt to your exisiting I Start putting away money now for spend ing next holiday next holiday Start by putting away or a designat ing the money for a Christ mas Thomas Its easy to set up automatic transfer from your paycheck for the amount you want to put she hopefully by next Christmas that fund will have enough to enjoy holiday spending without the guilt or worry about repaying Bigger breasts are bigger business for implant factory thanks to FDA IRVING AP At the nations only factory for saline and silicone plant manager Andrew Tymkiw is serious about the big busi ness of making bigger The recent FDA approval of silicone implants end ing a 14year virtual ban has farreaching ramifica tions in home to the nations only breast implant manufacturing facility and anecdotally known as one of the augmentation capitals of the United All breast implants start at a squarefoot factory located in an industrial office park near the Worth International The factory is the starting point for nearly a quarter mil lion breast augmentation surgeries a In many the factory looks like an especially clean industrial with breast implants resembling risen pizza dough stacked on stainless steel rolling A combination of factory machines and robots produce about a day and more than half a mil lion a year in a process that the Californiabased Mentor company protects as if it were nuclear missile launch This reticence comes at a time when implant manufac turers stand to make addi tional thanks to the FDA The only oth er manufacturer is Cali forniabased but its factories are outside the Unit ed In a jubilant con ference call with sharehold ers and analysts after the FDA Mentor Pres ident and CEO Josh Lavine referred to the FDA approval as a historic Mentor predicting that 40 percent of American women will choose silicone over saline within the first year of already have adjusted their revenue pro jections for 2007 by as much as With Mentor stands to make twice on a perimplant com pany officials MTV 1962 Breast Implants 1974 Congress grants FDA the author ity to regulate medical 1990 A nationally televised report gener ates publicity and con cern about safety of silicone 1992 FDA bans sili cone implants unless used in clinical studies or for breast recon 1995 Three major silicone implant mak ers settle classaction lawsuit for 2004Six former sili cone implant makers pay feds million over Medicare costs for women who became ill after receiving 2006 FDA approves use of silicone Implants for breast augmenta tion Local real estate agents complete career training From staff reports Lee Edwards and Maria broker and sales associate with ERA Lee Edwards of New have completed requirements of the ERA TOP GUN an advanced training course offered by the ERA Real Each TOP GUN session introduces new techniques to help Kinneson and other participants be more productive in their Understanding customers and looking for ways to pro vide better services are the main ideas of the Edwards was 1 out of 28 regional agents in Sales associates participat ing in the TOP GUN Academy Lee Edwards were given the tools and confidence they need to better assist consumers with their real estate Edwards Participants also experi enced a high er lever of productivity due to in creasing skill development in areas needed to be an effective real estate Marla professional Kinneson in todays The TOP GUN Academy is just one of the ways that ERA Real Estate offers its members continuing real estate educa Kinnison Through its continued emphasis on pro ERA ensures that its member have die tools and training required to effectively serve the real estate needs of their clients and ERA Lee Edwards is an independently owned and operated member of the ERA Franchise a subsidiary of Realogy Incorpo rated ERA Real Estate is a leader in the resi dential real estate industry with more than 25 years of experi ence in developing products and The ERA Real Estate network includes more than independently owned and operated broker age offices with more that brokers and sales asso ciates throughout the United State and 16 other SHOTGUN WHIPS lawn and Garrlrn Fquipmrnl Rrpair IBS BLADE SHARPENING The management of Shotgun Willies wishes everyone a happy and prosperous UHAUL Rentals Now Available Fire Mountain Business 35 at Guadilupe Rlnr 9am 3om Johnny Carlnos 1304 Common Evtrv Tuesday 4pm loom San Marcos Location Johnny Carlnos 9am Includes MEAL 8309354037 RUENE FAMILY DENTAL Let my family take care of your family Quality dentures partiaIs Delta Dental Provider All Services Provided by General Dentist 1528 Common Suite 9 New Braunfels A SHOP AROUND THE CORNER Sweet Pea Cottage SHABBY CHIC 125 BUSINESS 35 NEW TX 78130 BILL HILL MUSIC 40 years performing teaching experience ii J Learn to Play tha in 9HI the Guitar in 2007 Take Private Lessons Join Class Lessons 4 week Course Student Guitar Rentals Suite 851 Walnut Business Center 2 blocks North of McDonalds 8320701 ECONOMICAL AUTO REPAIR All work Check my tWill beat any shop Call Steve i 15 off scheduled maintenance service Off Parts fi Labor Call For Details On Other Coupons 839 I35 New TX Walnut Business Center Behind McDonalds State of the Art Computer Diagnostic Rebuilt and Used Engines Trans Installed at Discount Prlcef We are pleased to announce our new Hill Country Nose 42 Gruene Park Drive New TX 78130 Charles FACS Diplomate American Board of Otolaryngology Adult Pediatric Diseases of the Nose Throat Head and Neck Surgery Diagnosis and Treatment of Allergies Barbara Roe CCCA Audiology and Hearing Aids Phone 8306295830 Fax 8306293647 CentrafTexas flffergy Frank New Braunfels only board certified Allergist recognized by the American Board of Medical Specialties Over 20 years experience Nationally Recognized in Allergy Research Specializing in nonsurgical treatment of sinus and ear Experienced in Rapid Allergy Desensitization Treatment of children and adults for Seasonal Year Round Allergies t Disease Allergies Insect Allergies kVHives 705A Lancia Street New Braunfels New New Time GRUENE United MethodistChurch 1 a daughter congregation of First UMC Beginning January 14 Gathering with refreshments Celebration Service 1 Small Group for all ages Professionally staffed nursery all morning Meeting at Hoffmann Lane Elementary 4600 FM 306 Karen Pastor
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